The way it was explained to me is that this (a glorfied Excel sheet of transfers that get executed at a certain hour of each day) is just how intra-bank securities transfers work and that I mostly got unlucky that (1) the intended recipient was at Schwab (2) whoever was doing these transfers has dyslexia and my account was a number transpose off.
For the most part, their customer support has been excellent. I had an ATM in France eat a card, and so I infact have two bank accounts with them. They refund ATM fees, have never given me a hard time about international withdrawals, do support TOTP, albeit in a round-about way, send very prompt email alerts with customizable thresholds. Of all the banks I've had, I'm most happy with them. Just consider if you need access to a physical branch. Luckily, despite my whining, my needs are rather simple.
